Compound Interest Calculator India — CI Formula & Maturity Amount

Last updated: 29 April 2026 Reviewed by Arjun Mehta, CA

**Compound interest** accrues interest on both the principal and the previously accumulated interest. The formula is: A = P × (1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is time in years. The more frequent the compounding, the higher the effective returns — monthly compounding earns more than annual compounding at the same nominal rate.

Investment Amount (₹) One-time investment

Expected Return (% p.a.)

Tenure (Years)

Maturity Value —

Total Gains —

Annual Return Rate —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹5 lakh investment at 10% for 10 years

₹5 lakh invested at 10% p.a. grows to ₹12.97 lakh in 10 years through compounding. Simple interest would yield only ₹10 lakh — demonstrating the power of compounding over long periods.

₹1 lakh at 12% CAGR over 20 years

₹1 lakh growing at 12% p.a. becomes ₹9.65 lakh in 20 years. Even a 2% difference (at 14%) produces ₹13.74 lakh — demonstrating how small return differences compound dramatically.

Frequently Asked Questions

How accurate is the Compound Interest Calculator?

The Compound Interest Calculator uses standard financial formulas. Results are indicative; actual figures depend on your lender or financial institution's policies.

Is the Compound Interest Calculator free to use?

Yes, the Compound Interest Calculator on CalcPhi is completely free with no registration required.

Are my data inputs stored?

No. All calculations happen in your browser. We do not store any of your financial data.

How often are the Compound Interest Calculator rates updated?

Rates in examples are updated periodically to reflect current market conditions. Always verify with your bank or advisor.

Can I use the Compound Interest Calculator on mobile?

Yes. CalcPhi is fully mobile-optimised. The calculator works on all modern smartphones and tablets.

Who should use this calculator?

Anyone in India planning their finances can benefit from the Compound Interest Calculator. It's designed for both beginners and experienced investors.